中国经济的成功崛起，使人民币的全球性地位不断提高。
自央行宣布开始实行浮动汇率制度以来，人民币升值幅度累计已达18%以上，人民币升值问题已成为全球学者研究的热点。而商业银行为了发展理财产品，提高收益水平，在人民币升值背景下更是加大了对理财产品研发、创新及营销等方面的研究。针对这一现状，提高市场竞争程度、建立与国际接轨的市场主体和做好个人新形势下的理财计划具有对我国商业银行理财产品的发展具有十分重要的意义。
关键词：人民币升值；外汇理财产品；商业银行
Abstract
Because of the success of China's economic rise, the global status of the yuan rising. Since the central bank announced the introduction of floating exchange rate system, the cumulative appreciation of the RMB rate has reached more than 18 percent appreciation of the RMB has become a hot global scholars. And commercial banks in order to develop financial products, improve the income level of appreciation of the renminbi in the context of more financial products has increased R & D, innovation and marketing research. According to this situation, it is very important to raise the level of market competition, the establishment of international standards and the market players and do a good job under the new situation of personal finance program on China's commercial banks with financial products .
Keywords：Revaluation of the RMB; Foreign exchange financial products; Commercial banks
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